Club Liability Insurance

As of June 2015, RCABC acquired a new insurance policy and provider.

Note: The information provided is only a summary of coverage. All limits and coverages are subject to the terms, conditions, exclusions contained in the master policy filed with RCABC. In the event of a conflict between this summary and the policy, the policy will govern. E. & O. E.

CLUB LIABILITY INSURANCE COVERAGE

Liability coverage is available to Canoe Clubs with a current RCABC membership- including their executives, members, leaders and volunteers. Insurance is valid only for RCABC sanctioned activities. See the Club Trip Sactioning Guidelines to view the requirements. The current costs, maximum liability coverage and other details can be found on the Club Membership Form.

The overall cost is based on a:

  1. club membership fee ($25 as of 2014)
  2. cost per member of the club (roughly $8.77 as of 2015)
  3. a 10% processing fee

Insurance is mandatory for each person in a member club. There is “General Liability Insurance” coverage to $2,000,000 for the CLUB members engaging in ‘approved’ paddling activities. The insurance also includes ‘Errors and Omissions Liability’ for the Executive members of each club for $1,000.000. The cost is about $10 per person per year (as of 2014). Do not count club members that are also RCABC members, as RCABC members are already insured under this policy.

Click here to view a summary of the RCABC insurance policy by our insurance provider.
RCABC_Accident_Liability_Loss_Report_Form.pdf

RCABC Club Member FAQs

How much do clubs pay for insurance?
How can I make sure my club trips are insured by RCABC’s insurance policy?
Is it mandatory for members and guests to sign a waiver?
Are club guests covered by the Club Insurance policy?
Are club executive members covered by the RCABC insurance?
Are clubs covered for trips in the United States?
What types of club activities are covered by RCABC club member liability insurance?
Are non-scheduled trips by club members considered sanctioned and covered by RCABC liability insurance?
What kinds of data do clubs need to keep or submit to RCABC?
What are club members not covered for?
Are clubs insured for trips or during events if there is alcohol is present?
Are vehicles covered for third party liability if they are on their way to or from RCABC or club events?
What should I do if there is an incident that causes harm to a club member or guest?
What should I do if there is notice of legal action against me?

 

How much do clubs pay for insurance?

RCABC is taking a co-operative approach to paying for insurance. The cost is shared between clubs and RCABC instructor members. Each person in a club has an equal share and each RCABC instructor has an equal share. If the number of clubs or club members increases, the cost goes down per person. The base cost is a $25 membership fee. Contact the treasurer for quotes on insurance costs for clubs.

How can I make sure my club trips are insured by RCABC’s insurance policy?

The club has to have a club membership with RCABC and to purchase the insurance coverage. The club trip must follow the sanctioning guidelines. A club trip schedule must be determined and advertised in advance.

Is it mandatory for members and guests to sign a waiver?

Yes, this is a requirement for sanctioning purposes. The club must create and provide a waiver to release the club and RCABC from liability.

Are club guests covered by the Club Insurance policy?

The is under investigation by RCABC, as of June 2015.  Otherwise, all employees, volunteers, officers, directors, coaches, instructors, officials, managers, affiliated clubs, and or teams, members. Also municipalities, government departments, sponsors and organizers but only as it relates to their involvement in a sanctioned event / activity are covered.

Are club executive members covered by the RCABC insurance?

Yes. $2 million per incident for instructor and club members and $1 million per incident for Directors and Officers. See the Directors and Officers Insurance FAQ section.

Are clubs covered for trips in the United States?

Yes. $2 million (restriction: one incident per year will be covered) This is for instructor and club members, not for directors and officers.

What types of club activities are covered by RCABC club member liability insurance?

The sanctioning guidelines include all canoeing activities including all open canoeing, C1 and C2 up to and including grade 3 whitewater. Club sanctioning guidelines also include whitewater kayaks, recreational and sea kayaks and other craft.

Are non-scheduled trips by club members considered sanctioned and covered by RCABC liability insurance?

No. Trips must be scheduled and leaders must be assigned in advance, otherwise they are deemed non-sanctioned or approved, and therefore not covered by the insurance policy.

What kinds of data do clubs need to keep or submit to RCABC?

Clubs need to keep yearly records of who is on their executive, who their trip leaders are, the number of members they have, trip schedule. This will be very important information in the case of any legal action. Incidents that lead to injury or death need to have detailed records recorded by trip leaders.

What are club members not covered for?

  • Canoe guiding or any other non-sanctioned RCBAC activity.
  • Gear damage or loss, incidents during transportation to or from a trip.
  • Accidents during travel to and from club events.
  • Gear losses such as canoes, safety gear, etc.
  • Business Income (or accident income)
  • Rentals of canoe’s , kayak businesses
  • Crime

Are clubs insured for trips or during events if there is alcohol is present?

“AGMs” and “awards banquets” are covered when alcohol is present. Regarding club trips, alcohol cannot be consumed immediately before or during any on water activities. Trip leaders, to the best of their ability, should not allow people on club trips who have been consuming alcohol or illegal drugs. See the Club Trip Sanctioning Guidelines for more details.

Are vehicles covered for third party liability if they are on their way to or from RCABC or club events?

If a vehicle is rented under the name of the RCABC (with an RCABC credit card), it’s covered; otherwise, vehicles are your personal responsibility. Considering that RCABC has never done this and has no plans to begin, effectively there is no coverage coming and going to events.

What should I do if there is an incident that causes harm to a club member or guest?

If you are leading a club trip and there is an incident that causes injury or death, please record the details in the RCABC Incident Report Form which can be found in the "Members" area of this website.

What should I do if there is notice of legal action against me?

Contact the RCABC executive immediately with details. Do not contact the person or party taking legal action against you. Do not admit fault.

 
 
 
 
 
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